The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$39,399
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,624
−HK$1,245/mo
Today · 4.125%
HK$41,869
baseline
▲ 0.50% · 4.625%
HK$44,417
+HK$2,548/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,738/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,831
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,006
−HK$1,193/mo
Today · 4.125%
HK$46,199
baseline
▲ 0.50% · 4.625%
HK$48,634
+HK$2,435/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,398/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,278
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,749
−HK$1,494/mo
Today · 4.125%
HK$50,243
baseline
▲ 0.50% · 4.625%
HK$53,300
+HK$3,057/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,486/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,597
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$54,007
−HK$1,431/mo
Today · 4.125%
HK$55,438
baseline
▲ 0.50% · 4.625%
HK$58,360
+HK$2,922/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,876/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,158
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,874
−HK$1,743/mo
Today · 4.125%
HK$58,617
baseline
▲ 0.50% · 4.625%
HK$62,184
+HK$3,567/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,234/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,363
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,008
−HK$1,670/mo
Today · 4.125%
HK$64,678
baseline
▲ 0.50% · 4.625%
HK$68,087
+HK$3,409/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,356/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,917
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,123
−HK$2,242/mo
Today · 4.125%
HK$75,365
baseline
▲ 0.50% · 4.625%
HK$79,950
+HK$4,585/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,730/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,895
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,011
−HK$2,146/mo
Today · 4.125%
HK$83,157
baseline
▲ 0.50% · 4.625%
HK$87,541
+HK$4,384/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,314/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,930 · Scale 2, in force from 26 Feb 2026)